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CII R04 · Pensions and retirement planning
Practice questions built for the R04 exam — learning outcome by learning outcome
R04-style multiple choice questions across all 8 syllabus learning outcomes. Scenario-based questions on pensions tax, DB and DC schemes, drawdown options, and State benefits — with instant feedback and progress tracking so you revise the way the exam actually tests you.
10 free questions · No account required.
Built for R04 candidates
Whether you are starting the CII Diploma, returning to study, or consolidating pensions and retirement planning, this resource helps you practise the way R04 is assessed.
Exam-format questions
Standard multiple choice with four options (a–d) — the same core format as the R04 paper.
Syllabus aligned
All 8 learning outcomes from the CII R04 specification — pensions context, HMRC tax, DB/DC schemes, drawdown, State benefits, and retirement planning.
Learn from every answer
See whether you were right or wrong immediately, with a short explanation after each question.
Full syllabus coverage
Every R04 learning outcome is available as its own practice test. Work through topics as you study, or sit the full 50-question exam when you are ready. Browse all learning outcomes to see which are free or locked.
Full R04 practice exam
50 questions across all learning outcomes — the same length as the real exam
- All 8 learning outcomes
- Weighted to the syllabus
- Exam conditions
LO 1 — Pensions context
Syllabus outcomes 1.1–1.5 · 5 exam questions
- Government policy & reforms
- Demographics & attitudes to saving
- Pension scheme types
LO 2 — HMRC tax regime
Syllabus outcomes 2.1–2.3 · 10 exam questions
- Contributions & tax relief
- Allowances & charges
LO 3 — Pensions law & regulation
Syllabus outcomes 3.1–3.2 · 4 exam questions
- Law and regulation
- Trustees & administrators
LO 4 — Defined Benefit schemes
Syllabus outcomes 4.1–4.7 · 7 exam questions
- DB types, funding & transfers
- Public sector schemes
LO 5 — Defined Contribution schemes
Syllabus outcomes 5.1–5.4 · 6 exam questions
- DC types & legal bases
- Leaving, death & transfers
LO 6 — Drawing pension benefits
Syllabus outcomes 6.1–6.5 · 9 exam questions
- Annuities, drawdown & UFPLS
- Phased retirement & small pots
LO 7 — State schemes
Syllabus outcome 7.1 · 4 exam questions
- State Retirement Benefits
- Pension Credit framework
LO 8 — Retirement planning
Syllabus outcome 8.1 · 5 exam questions
- Aims, investments & reviews
- Asset allocation & self-investment
How it works
Three steps — no complicated setup.
What other R04 candidates say
Early feedback from people using the site to prepare for their exam.
“R04 covers a lot of ground — DB, DC, drawdown, and State benefits. Being able to drill each learning outcome, then sit a full 50-question exam, has made my revision much more focused.”
“The scenario questions feel closer to the real paper than generic pensions quizzes I tried elsewhere. I use the progress screen to see which learning outcomes I keep getting wrong.”
“Annual allowance tapering and drawdown options used to blur together for me. The learning-outcome tests helped me learn the syllabus structure, and the explanations after each answer are what make it useful — not just a score.”
Try free samples
10 free R04-style questions with explanations — no account required. The monthly plan unlocks every learning outcome and the full 50-question exam.
Try free samples
10 free questions · No account required.